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Loans and Allowance For Loan Losses | 12 Months Ended
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Dec. 31, 2011
Loans and Allowance For Loan Losses [Abstract] |
Loans and Allowance For Loan Losses | Note 4: Loans and Allowance for Loan Losses Classes of loans at December 31, 2011 and 2010, included:
| 2011 |  | 2010
| (In Thousands)
One- to four-family residential construction | $23,976 |  | $29,102
Subdivision construction | 61,140 |  | 86,649
Land development | 68,771 |  | 95,573
Commercial construction | 119,589 |  | 68,018
Owner occupied one- to four-family residential | 91,994 |  | 98,099
Non-owner occupied one- to four-family residential | 145,781 |  | 136,984
Commercial real estate | 639,857 |  | 530,277
Other residential | 243,742 |  | 210,846
Commercial business | 236,384 |  | 185,865
Industrial revenue bonds | 59,750 |  | 64,641
Consumer auto | 59,368 |  | 48,992
Consumer other | 77,540 |  | 77,331
Home equity lines of credit | 47,114 |  | 46,852
FDIC-supported loans, net of discounts (TeamBank) | 128,875 |  | 144,633
FDIC-supported loans, net of discounts (Vantus Bank) | 123,036 |  | 160,163
FDIC-supported loans, net of discounts |  |  |
(Sun Security Bank) | 144,626 |  | —
| 2,271,543 |  | 1,984,025
Undisbursed portion of loans in process | (103,424) |  | (63,108)
Allowance for loan losses | (41,232) |  | (41,487)
Deferred loan fees and gains, net | (2,726) |  | (2,543)
| $2,124,161 |  | $1,876,887
Classes of loans by aging were as follows:
| December 31, 2011
|  |  |  |  |  |  | Total Loans
| 30-59 Days | 60-89 Days | Over 90 | Total Past |  | Total Loans | > 90 Days and
| Past Due | Past Due | Days | Due | Current | Receivable | Still Accruing
| (In Thousands)
One- to four-family |  |  |  |  |  |  |
residential construction | $2,082 | $342 | $186 | $2,610 | $21,366 | $23,976 | $—
Subdivision construction | 4,014 | 388 | 6,661 | 11,063 | 50,077 | 61,140 | —
Land development | — | 4 | 2,655 | 2,659 | 66,112 | 68,771 | —
Commercial construction | — | — | — | — | 119,589 | 119,589 | —
Owner occupied one- to four- |  |  |  |  |  |  |
family residential | 833 | — | 3,888 | 4,721 | 87,273 | 91,994 | 40
Non-owner occupied one- to |  |  |  |  |  |  |
four-family residential | 117 | — | 3,425 | 3,542 | 142,239 | 145,781 | —
Commercial real estate | 6,323 | 535 | 6,204 | 13,062 | 626,795 | 639,857 | —
Other residential | — | — | — | — | 243,742 | 243,742 | —
Commercial business | 426 | 10 | 1,362 | 1,798 | 234,586 | 236,384 | —
Industrial revenue bonds | — | — | 2,110 | 2,110 | 57,640 | 59,750 | —
Consumer auto | 455 | 56 | 117 | 628 | 58,740 | 59,368 | 10
Consumer other | 1,508 | 641 | 715 | 2,864 | 74,676 | 77,540 | 356
Home equity lines of credit | 45 | 29 | 174 | 248 | 46,866 | 47,114 | —
FDIC-supported loans, net of |  |  |  |  |  |  |
discounts (TeamBank) | 2,422 | 862 | 19,215 | 22,499 | 106,376 | 128,875 | —
FDIC-supported loans, net of |  |  |  |  |  |  |
discounts (Vantus Bank) | 562 | 57 | 5,999 | 6,618 | 116,418 | 123,036 | 5
FDIC-supported loans, |  |  |  |  |  |  |
net of discounts |  |  |  |  |  |  |
(Sun Security Bank) | 5,628 | 6,851 | 40,299 | 52,778 | 91,848 | 144,626 | 150
| 24,415 | 9,775 | 93,010 | 127,200 | 2,144,343 | 2,271,543 | 561
Less FDIC-supported loans, |  |  |  |  |  |  |
net of discounts | 8,612 | 7,770 | 65,513 | 81,895 | 314,642 | 396,537 | 155
Total | $15,803 | $2,005 | $27,497 | $45,305 | $1,829,701 | $1,875,006 | $406
| December 31, 2010
|  |  |  |  |  |  | Total Loans
| 30-59 Days | 60-89 Days | Over 90 | Total Past |  | Total Loans | > 90 Days and
| Past Due | Past Due | Days | Due | Current | Receivable | Still Accruing
| (In Thousands)
One- to four-family |  |  |  |  |  |  |
residential construction | $261 | $— | $578 | $839 | $28,263 | $29,102 | $—
Subdivision construction | 281 | 1,015 | 1,860 | 3,156 | 83,493 | 86,649 | —
Land development | 2,730 | — | 5,668 | 8,398 | 87,175 | 95,573 | —
Commercial construction | — | — | — | — | 68,018 | 68,018 | —
Owner occupied one- to four- |  |  |  |  |  |  |
family residential | 4,856 | 914 | 2,724 | 8,494 | 89,605 | 98,099 | —
Non-owner occupied one- to |  |  |  |  |  |  |
four-family residential | 2,085 | 2,130 | 2,831 | 7,046 | 129,938 | 136,984 | —
Commercial real estate | 2,749 | 8,546 | 6,074 | 17,369 | 512,908 | 530,277 | —
Other residential | — | 4,011 | 4,202 | 8,213 | 202,633 | 210,846 | —
Commercial business | 350 | 355 | 1,642 | 2,347 | 183,518 | 185,865 | —
Industrial revenue bonds | — | — | 2,190 | 2,190 | 62,451 | 64,641 | —
Consumer auto | 427 | 35 | 94 | 556 | 48,436 | 48,992 | 22
Consumer other | 1,331 | 318 | 1,417 | 3,066 | 74,265 | 77,331 | 565
Home equity lines of credit | 152 | 160 | 140 | 452 | 46,400 | 46,852 | —
FDIC-supported loans, net of |  |  |  |  |  |  |
discounts (TeamBank) | 2,719 | 3,731 | 13,285 | 19,735 | 124,898 | 144,633 | —
FDIC-supported loans, net of |  |  |  |  |  |  |
discounts (Vantus Bank) | 2,277 | 1,414 | 9,399 | 13,090 | 147,073 | 160,163 | —
| 20,218 | 22,629 | 52,104 | 94,951 | 1,889,074 | 1,984,025 | 587
Less FDIC-supported loans, |  |  |  |  |  |  |
net of discounts | 4,996 | 5,145 | 22,684 | 32,825 | 271,971 | 304,796 | —
Total | $15,222 | $17,484 | $29,420 | $62,126 | $1,617,103 | $1,679,229 | $587
Nonaccruing loans are summarized as follows:
| December 31,
| 2011 |  | 2010
| (In Thousands)
One- to four-family residential construction | $186 |  | $578
Subdivision construction | 6,661 |  | 1,860
Land development | 2,655 |  | 5,668
Commercial construction | — |  | —
Owner occupied one- to four-family residential | 3,848 |  | 2,724
Non-owner occupied one- to four-family |  |  |
residential | 3,425 |  | 2,831
Commercial real estate | 6,204 |  | 6,074
Other residential | — |  | 4,202
Commercial business | 1,362 |  | 1,642
Industrial revenue bonds | 2,110 |  | 2,190
Consumer auto | 107 |  | 72
Consumer other | 359 |  | 852
Home equity lines of credit | 174 |  | 140
Total | $27,091 |  | $28,833
Transactions in the allowance for loan losses were as follows:
| 2011 | 2010 | 2009
| (In Thousands)
Balance, beginning of year | $41,487 | $40,101 | $29,163
Provision charged to expense | 35,336 | 35,630 | 35,800
Loans charged off, net of recoveries |  |  |
of $5,063 for 2011, $5,804 for |  |  |
2010 and $5,577 for 2009 | (35,591) | (34,244) | (24,862)
Balance, end of year | $41,232 | $41,487 | $40,101
The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2011. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2011:
| One- to Four- |  |  |  |  |  |
| Family |  |  |  |  |  |
| Residential |  |  |  |  |  |
| and | Other | Commercial | Commercial | Commercial |  |
| Construction | Residential | Real Estate | Construction | Business | Consumer | Total
| (In Thousands)
Allowance for loan losses |  |  |  |  |  |  |
Balance January 1, 2011 | $11,483 | $3,866 | $14,336 | $5,852 | $3,281 | $2,669 | $41,487
Provision charged to expense | 7,995 | 5,693 | 17,859 | 1,020 | 1,459 | 1,310 | 35,336
Losses charged off | (8,333) | (8,018) | (13,862) | (4,103) | (2,842) | (3,496) | (40,654)
Recoveries | 279 | 1,547 | 57 | 213 | 1,076 | 1,891 | 5,063
Balance December 31, 2011 | $11,424 | $3,088 | $18,390 | $2,982 | $2,974 | $2,374 | $41,232
Ending balance: |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $4,989 | $89 | $3,584 | $594 | $736 | $38 | $10,030
Collectively evaluated for |  |  |  |  |  |  |
impairment | $6,435 | $2,999 | $14,806 | $2,358 | $2,238 | $2,336 | $31,172
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $— | $— | $— | $30 | $— | $— | $30
Loans |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $39,519 | $20,802 | $99,254 | $27,592 | $10,720 | $839 | $198,726
Collectively evaluated for |  |  |  |  |  |  |
impairment | $283,371 | $222,940 | $600,353 | $160,768 | $225,665 | $183,183 | $1,676,280
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $109,909 | $25,877 | $157,805 | $40,215 | $28,784 | $33,947 | $396,537
The following table presents the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2010:
| One- to Four- |  |  |  |  |  |
| Family |  |  |  |  |  |
| Residential and | Other | Commercial | Commercial | Commercial |  |
| Construction | Residential | Real Estate | Construction | Business | Consumer | Total
| (In Thousands)
Allowance for loan losses |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $4,353 | $1,714 | $3,089 | $2,083 | $784 | $37 | $12,060
Collectively evaluated for |  |  |  |  |  |  |
impairment | $7,100 | $2,152 | $11,247 | $3,769 | $1,697 | $2,632 | $28,597
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $— | $— | $— | $30 | $800 | $— | $830
Loans |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $40,562 | $25,246 | $72,379 | $45,334 | $8,340 | $622 | $192,483
Collectively evaluated for |  |  |  |  |  |  |
impairment | $310,272 | $185,600 | $522,539 | $118,257 | $177,525 | $172,553 | $1,486,746
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $75,727 | $23,277 | $128,704 | $22,858 | $15,215 | $39,015 | $304,796
The portfolio segments used in the preceding two tables correspond to the loan classes used in all other tables in Note 4 as follows: · The one-to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes · The other residential segment corresponds to the other residential class · The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes · The commercial construction segment includes the land development and commercial construction classes · The commercial business segment corresponds to the commercial business class · The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes The weighted average interest rate on loans receivable at December 31, 2011 and 2010 was 5.86% and 6.03%, respectively. Loans serviced for others are not included in the accompanying consolidated statements of financial condition. The unpaid principal balances of loans serviced for others were $170.3 million and $207.5 million at December 31, 2011 and 2010, respectively. In addition, available lines of credit on these loans were $11.7 million and $5.0 million at December 31, 2011 and 2010, respectively. A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. The following summarizes information regarding impaired loans at and during the years ended December 31, 2011 and 2010:
|  |  | Year Ended
| December 31, 2011 |  | December 31, 2011
|  |  |  |  | Average |
|  | Unpaid |  |  | Investment | Interest
| Recorded | Principal | Specific |  | in Impaired | Income
| Balance | Balance | Allowance |  | Loans | Recognized
| (In Thousands)
One- to four-family residential construction | $873 | $917 | $12 |  | $1,939 | $39
Subdivision construction | 12,999 | 14,730 | 2,953 |  | 10,154 | 282
Land development | 7,150 | 7,317 | 594 |  | 9,983 | 379
Commercial construction | — | — | — |  | 308 | —
Owner occupied one- to four-family |  |  |  |  |  |
residential | 5,481 | 6,105 | 776 |  | 4,748 | 76
Non-owner occupied one- to four-family |  |  |  |  |  |
residential | 11,259 | 11,768 | 1,249 |  | 9,658 | 425
Commercial real estate | 49,961 | 55,233 | 3,562 |  | 34,403 | 1,616
Other residential | 12,102 | 12,102 | 89 |  | 9,475 | 454
Commercial business | 4,679 | 5,483 | 736 |  | 4,173 | 125
Industrial revenue bonds | 2,110 | 2,190 | 22 |  | 2,137 | —
Consumer auto | 147 | 168 | 3 |  | 192 | 6
Consumer other | 579 | 680 | 22 |  | 544 | 10
Home equity lines of credit | 174 | 184 | 12 |  | 227 | 1
Total | $107,514 | $116,877 | $10,030 |  | $87,941 | $3,413
|  |  | Year Ended
| December 31, 2010 |  | December 31, 2010
|  |  |  |  | Average |
|  | Unpaid |  |  | Investment | Interest
| Recorded | Principal | Specific |  | in Impaired | Income
| Balance | Balance | Allowance |  | Loans | Recognized
| (In Thousands)
One- to four-family residential construction | $1,947 | $2,371 | $258 |  | $1,724 | $83
Subdivision construction | 9,894 | 10,560 | 2,326 |  | 7,850 | 415
Land development | 17,957 | 21,006 | 1,925 |  | 18,760 | 534
Commercial construction | 1,851 | 1,851 | 158 |  | 458 | 31
Owner occupied one- to four-family |  |  |  |  |  |
residential | 5,205 | 5,620 | 542 |  | 3,612 | 69
Non-owner occupied one- to four-family |  |  |  |  |  |
residential | 11,785 | 12,267 | 1,227 |  | 8,182 | 386
Commercial real estate | 25,782 | 26,392 | 3,045 |  | 10,615 | 603
Other residential | 9,768 | 9,869 | 1,714 |  | 8,123 | 140
Commercial business | 9,722 | 12,495 | 828 |  | 2,630 | 114
Consumer auto | 125 | 137 | 4 |  | 30 | 1
Consumer other | 429 | 481 | 14 |  | 93 | 4
Home equity lines of credit | 148 | 166 | 19 |  | 109 | 1
Total | $94,613 | $103,215 | $12,060 |  | $62,186 | $2,381
At December 31, 2011 and 2010, all impaired loans had specific valuation allowances. Interest of approximately $388,000 was received on average impaired loans of approximately $23.5 million for the year ended December 31, 2009. For impaired loans which were nonaccruing, interest of approximately $2.4 million, $2.0 million and $1.9 million would have been recognized on an accrual basis during the years ended December 31, 2011, 2010 and 2009, respectively. Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flows or collateral adequacy approach. At December 31, 2011, the Company had $9.0 million of construction loans, $17.0 million of residential mortgage loans, $31.3 million of commercial real estate loans, $671,000 of commercial business loans and $156,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings at December 31, 2011, $50.8 million were accruing interest and $32.2 million were classified as substandard using the Company’s internal grading system which is described below. During the previous 12 months, one commercial business loan totaling $423,000 was modified as a troubled debt restructuring and had payment defaults subsequent to the modifications. When loans modified as troubled debt restructuring have subsequent payment defaults, the defaults are factored in to the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible. At December 31, 2010, the Company had $6.5 million of construction loans, $5.5 million of residential mortgage loans, $8.2 million of commercial real estate loans, $57,000 of other commercial loans and $150,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings, $16.5 million were accruing interest at December 31, 2010. The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” Special Mention” and “Substandard.” Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification. Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard. Loans not meeting any of the criteria previously described are considered satisfactory. The FDIC-covered loans are evaluated using this internal grading system. However, since these loans are accounted for in pools and are currently covered through loss sharing agreements with the FDIC, all of the loan pools were considered satisfactory December 31, 2011 and 2010, respectively. See Note 5 for further discussion of the acquired loan pools and loss sharing agreements. The loan grading system is presented by loan class below:
| December 31, 2011
|  |  | Special |  |
| Satisfactory | Watch | Mention | Substandard | Total
| (In Thousands)
One- to four-family residential |  |  |  |  |
construction | $21,436 | $2,354 | $— | $186 | $23,976
Subdivision construction | 45,754 | 2,701 | — | 12,685 | 61,140
Land development | 41,179 | 20,902 | 245 | 6,445 | 68,771
Commercial construction | 119,589 | — | — | — | 119,589
Owner occupied one- to four-family |  |  |  |  |
residential | 86,725 | 1,018 | — | 4,251 | 91,994
Non-owner occupied one- to four-family |  |  |  |  |
residential | 129,458 | 5,232 | 249 | 10,842 | 145,781
Commercial real estate | 542,712 | 51,757 | 13,384 | 32,004 | 639,857
Other residential | 222,940 | 13,262 | — | 7,540 | 243,742
Commercial business | 225,664 | 5,403 | 638 | 4,679 | 236,384
Industrial revenue bonds | 57,640 | — | — | 2,110 | 59,750
Consumer auto | 59,237 | — | — | 131 | 59,368
Consumer other | 77,006 | — | — | 534 | 77,540
Home equity lines of credit | 46,940 | — | — | 174 | 47,114
FDIC-supported loans, net of discounts |  |  |  |  |
(TeamBank) | 128,875 | — | — | — | 128,875
FDIC-supported loans, net of discounts |  |  |  |  |
( Vantus Bank) | 123,036 | — | — | — | 123,036
FDIC-supported loans, net of discounts |  |  |  |  |
(Sun Security Bank) | 144,626 | — | — | — | 144,626
Total | $2,072,817 | $102,629 | $14,516 | $81,581 | $2,271,543
| December 31, 2010
|  |  | Special |  |
| Satisfactory | Watch | Mention | Substandard | Total
| (In Thousands)
One- to four-family residential |  |  |  |  |
construction | $27,620 | $549 | $— | $933 | $29,102
Subdivision construction | 69,907 | 8,408 | — | 8,334 | 86,649
Land development | 57,486 | 20,834 | — | 17,253 | 95,573
Commercial construction | 60,770 | 5,397 | — | 1,851 | 68,018
Owner occupied one- to four-family |  |  |  |  |
residential | 92,385 | 766 | — | 4,948 | 98,099
Non-owner occupied one- to four-family |  |  |  |  |
residential | 120,360 | 6,471 | — | 10,153 | 136,984
Commercial real estate | 460,088 | 46,805 | 2,574 | 20,810 | 530,277
Other residential | 185,600 | 15,478 | — | 9,768 | 210,846
Commercial business | 177,525 | 812 | — | 7,528 | 185,865
Industrial revenue bonds | 62,451 | — | — | 2,190 | 64,641
Consumer auto | 48,883 | — | — | 109 | 48,992
Consumer other | 76,966 | — | — | 365 | 77,331
Home equity lines of credit | 46,704 | — | — | 148 | 46,852
FDIC-supported loans, net of discounts |  |  |  |  |
(TeamBank) | 144,633 | — | — | — | 144,633
FDIC-supported loans, net of discounts |  |  |  |  |
(Vantus Bank) | 160,163 | — | — | — | 160,163
Total | $1,791,541 | $105,520 | $2,574 | $84,390 | $1,984,025
Certain of the Bank’s real estate loans are pledged as collateral for borrowings as set forth in Notes 10 and 12. Certain directors and executive officers of the Company and the Bank are customers of and had transactions with the Bank in the ordinary course of business. Except for the interest rates on loans secured by personal residences, in the opinion of management, all loans included in such transactions were made on substantially the same terms as those prevailing at the time for comparable transactions with unrelated parties. Generally, residential first mortgage loans and home equity lines of credit to all employees and directors have been granted at interest rates equal to the Bank’s cost of funds, subject to annual adjustments in the case of residential first mortgage loans and monthly adjustments in the case of home equity lines of credit. At December 31, 2011 and 2010, loans outstanding to these directors and executive officers are summarized as follows:
| December 31,
| 2011 |  | 2010
| (In Thousands)
Balance, beginning of year | $12,933 |  | $14,892
New loans | 2,607 |  | 2,293
Payments | (13,246) |  | (4,252)
Balance, end of year | $2,294 |  | $12,933

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